You need to know where you are right now. Make a budget and calculate the bottom line, is it negative or positive? Just google budget excel and you will find one, just modify it a little bit to be suitable for you need.

Next, the most important thing is to make your bottom line positive. It is very hard to save and invest if you monthly liabilities are more than income. if your bottom line is negative, solve why it is negative and make actions to turn it positive.

For most of us our house (=mortgage) and taxes are highest expenses. A good starting point are these. You can for example compete your mortgage, even 0,1% makes huge sum over the years.

When you have turned your bottom line positive, automate your savings. When you get your check the rule in account automatically transfer this 7% to your broker account. Save first and then spend what is left.

Invest this money to low cost index funds and ETF’s. Start to read books about investing and personal finance, instead watching reality tv. Learn from the best like, Warren Buffett or Tony Robbins.

Set a goal for yourself. Why you are investing? Is it for retirement or something else? You need to know your number and how to get there. Play with compound interest calculator use different numbers, but don’t use return more than 8%.

And the most important thing, you need to start today! Not someday.